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    INTELLIGENT ESTIMATES IN AUTHORIZATION
    1.
    发明申请
    INTELLIGENT ESTIMATES IN AUTHORIZATION 审中-公开
    智能估计在授权

    公开(公告)号：US20120036073A1

    公开(公告)日：2012-02-09

    申请号：US13188045

    申请日：2011-07-21

    申请人： Gourab Basu ,  Shaun Bodington ,  Ross Sakata ,  Michael Mori

    发明人： Gourab Basu ,  Shaun Bodington ,  Ross Sakata ,  Michael Mori

    IPC分类号： G06Q40/00

    CPC分类号： G06Q20/40 ,  G06Q20/42

    摘要： Techniques for providing an intelligent estimated amount for authorization include receiving a request to calculate an estimated amount for a transaction where the final amount is not known at the time of authorization. A payment processing network calculates the estimated amount based on several factors associated with the transaction and provides the estimated amount to an issuer for authorization.

    摘要翻译： 用于提供用于授权的智能估计量的技术包括接收在授权时计算最终数量未知的交易的估计量的请求。 支付处理网络基于与交易相关联的几个因素来计算估计金额，并将估计金额提供给发行人以进行授权。

    LEAST COST ROUTING AND MATCHING
    3.
    发明申请
    LEAST COST ROUTING AND MATCHING 有权
    最低成本路由和匹配

    公开(公告)号：US20130054465A1

    公开(公告)日：2013-02-28

    申请号：US13599969

    申请日：2012-08-30

    申请人： Ross Sakata ,  Gourab Basu ,  Michael Mori ,  Steve Cracknell ,  Judson Reed

    发明人： Ross Sakata ,  Gourab Basu ,  Michael Mori ,  Steve Cracknell ,  Judson Reed

    IPC分类号： G06Q20/40

    CPC分类号： H04M15/8044 ,  G06K5/00 ,  G06Q30/00 ,  G06Q30/04 ,  G06Q40/00 ,  G06Q40/02 ,  H04M15/8055

    摘要： Systems and methods are disclosed for routing a transaction based on an assessment of costs associated with multiple payment processing networks. A transaction broker server determines how to route a received authorization request message for a transaction based on a first cost associated with processing the transaction via a first payment processing network and a second cost associated with processing the transaction via a second payment processing network. If the first cost is less than or equal to the second cost, the authorization request message is routed to the first payment processing network. If the first cost exceeds the second cost, at least one rule is applied to determine whether the first cost is to be reduced. If the at least one rule is satisfied, the first cost is reduced and the authorization request message is routed to the first payment processing network.

    摘要翻译： 公开了用于基于与多个支付处理网络相关联的成本的评估来路由交易的系统和方法。 交易代理服务器基于与经由第一支付处理网络处理交易相关联的第一成本和经由第二支付处理网络处理交易相关联的第二成本来确定如何路由接收到的交易授权请求消息。 如果第一个成本小于或等于第二个成本，授权请求消息被路由到第一支付处理网络。 如果第一个成本超过第二个成本，则至少应用一个规则来确定是否减少第一个成本。 如果满足至少一个规则，则降低第一成本，并将授权请求消息路由到第一支付处理网络。

    DETERMINATION OF RESOURCE PROVIDER CONDITIONS USING TRANSACTION DATA
    4.
    发明申请
    DETERMINATION OF RESOURCE PROVIDER CONDITIONS USING TRANSACTION DATA 审中-公开
    使用交易数据确定资源提供者条件

    公开(公告)号：US20160314482A1

    公开(公告)日：2016-10-27

    申请号：US15139267

    申请日：2016-04-26

    申请人： Gourab Basu ,  Michael Mori ,  Ross Sakata ,  Rajat Das

    发明人： Gourab Basu ,  Michael Mori ,  Ross Sakata ,  Rajat Das

    IPC分类号： G06Q30/02

    CPC分类号： G06Q30/0202 ,  G06Q30/0207 ,  G06Q30/0251

    摘要： A server computer may receive a request from a user device of a user for a wait time associated with a merchant. The server computer may receive information comprising dynamic and static data from various entities. The information may include at least transaction data. The server computer may utilize the information to determine a wait time prediction and other conditions associated with the merchant. The determined information may be presented to the user by a notification on the user device.

    摘要翻译： 服务器计算机可以从用户的用户设备接收与商家相关联的等待时间的请求。 服务器计算机可以从各种实体接收包括动态和静态数据的信息。 该信息可以至少包括交易数据。 服务器计算机可以利用该信息来确定与商家相关联的等待时间预测和其他条件。 所确定的信息可以通过用户设备上的通知呈现给用户。

    Least cost routing and matching
    6.
    发明授权
    Least cost routing and matching 有权
    最低成本路由和匹配

    公开(公告)号：US08886563B2

    公开(公告)日：2014-11-11

    申请号：US13599969

    申请日：2012-08-30

    申请人： Ross Sakata ,  Gourab Basu ,  Michael Mori ,  Steve Cracknell ,  Judson Reed

    发明人： Ross Sakata ,  Gourab Basu ,  Michael Mori ,  Steve Cracknell ,  Judson Reed

    IPC分类号： G06K5/00 ,  G06Q30/00 ,  G06Q40/00 ,  H04W40/00 ,  H04M15/00 ,  G06Q30/04 ,  G06Q40/02

    CPC分类号： H04M15/8044 ,  G06K5/00 ,  G06Q30/00 ,  G06Q30/04 ,  G06Q40/00 ,  G06Q40/02 ,  H04M15/8055

    摘要： Systems and methods are disclosed for routing a transaction based on an assessment of costs associated with multiple payment processing networks. A transaction broker server determines how to route a received authorization request message for a transaction based on a first cost associated with processing the transaction via a first payment processing network and a second cost associated with processing the transaction via a second payment processing network. If the first cost is less than or equal to the second cost, the authorization request message is routed to the first payment processing network. If the first cost exceeds the second cost, at least one rule is applied to determine whether the first cost is to be reduced. If the at least one rule is satisfied, the first cost is reduced and the authorization request message is routed to the first payment processing network.

    摘要翻译： 公开了用于基于与多个支付处理网络相关联的成本的评估来路由交易的系统和方法。 交易代理服务器基于与经由第一支付处理网络处理交易相关联的第一成本和经由第二支付处理网络处理交易相关联的第二成本来确定如何路由接收到的交易授权请求消息。 如果第一个成本小于或等于第二个成本，授权请求消息被路由到第一支付处理网络。 如果第一个成本超过第二个成本，则至少应用一个规则来确定是否减少第一个成本。 如果满足至少一个规则，则降低第一成本，并将授权请求消息路由到第一支付处理网络。

    Processing monitor system and method
    8.
    发明授权
    Processing monitor system and method 有权
    处理监控系统和方法

    公开(公告)号：US08666863B2

    公开(公告)日：2014-03-04

    申请号：US13539135

    申请日：2012-06-29

    申请人： Ross Sakata ,  Ila Malde ,  Gourab Basu ,  Tim Gallagher ,  Jeffrey Gill

    发明人： Ross Sakata ,  Ila Malde ,  Gourab Basu ,  Tim Gallagher ,  Jeffrey Gill

    IPC分类号： G06Q40/00

    CPC分类号： G06Q20/382 ,  G06Q30/06 ,  G06Q40/00

    摘要： Systems and methods for monitoring transaction data and providing an indication regarding a performance parameter to a payment processing entity. Transaction data associated with a plurality of transactions conducted during a time interval is received. A server computer determines that the received transaction data meets a threshold. It is further determined whether a previous indication that the threshold has been met was provided to a payment processing entity, the previous indication being associated with a plurality of previous transactions conducted during a previous time interval. If the previous indication was not provided, an indication that the threshold has been met is provided to the payment processing entity, the indication including information regarding a performance parameter of the payment processing entity.

    摘要翻译： 用于监视交易数据并向支付处理实体提供关于性能参数的指示的系统和方法。 接收与在时间间隔期间进行的多个事务相关联的事务数据。 服务器计算机确定接收的交易数据满足阈值。 进一步确定是否向付款处理实体提供了已经满足阈值的先前指示，先前的指示与在先前时间间隔期间进行的多个先前交易相关联。 如果没有提供先前的指示，则向支付处理实体提供已经满足阈值的指示，该指示包括关于支付处理实体的性能参数的信息。

    TOKENIZATION AND THIRD-PARTY INTERACTION
    9.
    发明申请
    TOKENIZATION AND THIRD-PARTY INTERACTION 有权
    协调和第三方互动

    公开(公告)号：US20140188586A1

    公开(公告)日：2014-07-03

    申请号：US14146655

    申请日：2014-01-02

    申请人： Andrew Carpenter ,  Glenn Powell ,  Patrick Stan ,  Ryan Hagey ,  Michael Mori ,  Steve Cracknell ,  Mark Carlson ,  Gourab Basu

    发明人： Andrew Carpenter ,  Glenn Powell ,  Patrick Stan ,  Ryan Hagey ,  Michael Mori ,  Steve Cracknell ,  Mark Carlson ,  Gourab Basu

    IPC分类号： G06Q30/02 ,  G06Q20/02 ,  G06Q20/38

    CPC分类号： G06Q30/0222 ,  G06Q20/02 ,  G06Q20/3821 ,  G06Q20/40

    摘要： Processing of a transaction involving one or more third-parties and offers is described. Certain embodiments allow for suspending a received authorization request message which includes a transaction amount and a token mapped to a primary account number. One or more third-parties may be queried for an offer or discount eligible towards the transaction. The authorization request message may be adjusted to reflect one or more eligible offers from the one or more third-parties. The authorization request message may also be adjusted to replace the token with the mapped PAN. The authorization request message may then be sent to an issuer for further processing.

    摘要翻译： 描述涉及一个或多个第三方和优惠的交易的处理。 某些实施例允许暂停接收到的授权请求消息，其中包括交易金额和映射到主帐号的令牌。 可能会查询一个或多个第三方可用于交易的优惠或折扣。 可以调整授权请求消息以反映来自一个或多个第三方的一个或多个合格的报价。 也可以调整授权请求消息以用映射的PAN替换令牌。 然后可以将授权请求消息发送到发行者以进一步处理。

    Processor Issuer Detection and User Level Stand-In Authorization
    10.
    发明申请
    Processor Issuer Detection and User Level Stand-In Authorization 审中-公开
    处理器发行者检测和用户级别待机授权

    公开(公告)号：US20140304158A1

    公开(公告)日：2014-10-09

    申请号：US14247032

    申请日：2014-04-07

    申请人： Gourab Basu ,  Steven Cracknell ,  Michael Mori

    发明人： Gourab Basu ,  Steven Cracknell ,  Michael Mori

    IPC分类号： G06Q20/40

    CPC分类号： G06Q20/02 ,  G06Q20/34 ,  G06Q20/4016

    摘要： Embodiments of the invention are directed to systems and methods for stand-in processing using data driven capabilities. Transaction activity of an issuer may be monitored to detect a major incident and to automatically invoke stand-in processing. By modeling each individual account holder's behavior, improved authorization outcomes may be provided by a payment processing network during stand-in processing.

    摘要翻译： 本发明的实施例涉及使用数据驱动能力的待机处理的系统和方法。 可以监视发行人的交易活动以检测重大事件并自动调用待机处理。 通过对每个个人账户持有者的行为进行建模，在待机处理期间，支付处理网络可以提供改进的授权结果。